Terms of Service

1. Acceptance of Terms

By accessing or using the services provided by Advisconsul E-Services Private Limited ("Company", "we", "our", or "us"), including our website at advis.money and any associated mobile applications, you ("User", "Borrower", or "you") agree to be legally bound by these Terms of Service ("Terms").

If you do not agree to these Terms, please do not access or use our services. We reserve the right to modify these Terms at any time, and such changes shall be effective immediately upon posting. Your continued use of our services after any changes indicates your acceptance of the modified Terms.

Important: These Terms constitute a legally binding agreement between you and Advisconsul E-Services Private Limited. Please read them carefully before using our services.

2. Description of Services

Advisconsul E-Services Private Limited is a Lending Service Provider (LSP) and operates as a facilitator between borrowers and registered Non-Banking Financial Companies (NBFCs). We are not an NBFC ourselves and do not lend money directly.

Our services include:

• Loan application processing and customer onboarding
• KYC verification and credit assessment facilitation
• Loan disbursement coordination with our NBFC partner Salora Capital Limited
• Collection support and EMI reminder services
• Customer grievance redressal support

All loans offered through our platform are subject to the lending policies and regulatory framework of Salora Capital Limited, an RBI-registered NBFC.

3. Eligibility & KYC Requirements

To be eligible for a loan through advis.money, you must:

• Be an Indian citizen aged between 21 and 60 years
• Reside in the Mumbai Metropolitan Region or any area where Advisconsul E-Services Private Limited operates
• Possess a valid Aadhaar Card and PAN Card
• Have an active bank account in your name
• Not be declared insolvent or bankrupt under any applicable law

You agree to provide accurate, complete, and up-to-date information during the KYC process. Any misrepresentation of information is grounds for immediate rejection of your application and/or termination of the loan agreement, and may result in legal action.

Advisconsul E-Services Private Limited performs e-KYC through Aadhaar-based OTP authentication in compliance with UIDAI guidelines. We do not store your biometric data.

4. Loan Terms & Interest Rates

Loan amounts, interest rates, processing fees, and repayment schedules vary based on your credit profile and the loan product you apply for. The following are indicative terms:

All fees and charges shall be disclosed to you prior to loan acceptance. By accepting the loan offer, you acknowledge and agree to all applicable charges. The sanctioned amount after deducting processing fees will be disbursed to your registered bank account.

5. Repayment Obligations

You are obligated to repay your loan as per the repayment schedule agreed at the time of loan acceptance. Late payments may attract:

• Penal interest at the rate of 2% per month on the overdue amount
• Bounce charges of ₹500 per dishonoured ECS/NACH mandate
• Collection costs incurred by the Company

Default in repayment will be reported to credit bureaus (CIBIL, Experian, CRIF, Equifax) and may adversely affect your credit score. You authorize Advisconsul E-Services Private Limited and Salora Capital Limited to initiate ECS/NACH/UPI mandates from your registered bank account for EMI recovery.

Early repayment (pre-closure) is permitted on daily EMI loans at no additional charge. Merchant loans may carry a nominal pre-closure fee as disclosed in your loan agreement.

6. User Conduct & Prohibited Activities

You agree not to:

• Provide false, misleading, or fraudulent information during application
• Use loan proceeds for illegal or speculative purposes
• Misuse the platform to apply for multiple loans simultaneously without disclosure
• Engage in any activity that disrupts or impairs our services
• Attempt to reverse-engineer, hack, or gain unauthorized access to our systems
• Share your account credentials with any third party

Violation of these conditions may result in immediate termination of your loan application, recall of outstanding loan amounts, and reporting to law enforcement authorities.

7. Limitation of Liability

Advisconsul E-Services Private Limited acts solely as a Lending Service Provider and facilitator. To the maximum extent permitted by applicable law:

• We are not liable for any indirect, incidental, or consequential damages arising from loan rejection or approval decisions made by our NBFC partner
• We do not guarantee loan approval to any applicant
• We are not responsible for any delay in disbursement due to technical failures, bank processing delays, or force majeure events

Our total liability to you shall not exceed the processing fee paid by you, if any, in the transaction giving rise to the claim.

8. Grievance Redressal

We are committed to resolving your grievances promptly. You may contact us through:

• Email: advisconsul@gmail.com
• Phone: +91 81687 67637 (Mon–Sat, 9 AM–7 PM)
• WhatsApp: +91 81687 67637
• Address: Advisconsul E-Services Private Limited, F-43, 1st Floor, Fantasia Multiplex Intertainment Complex, Next to Inorbit Mall, Vashi, Navi Mumbai, Thane, Maharashtra 400703

Our Grievance Redressal Officer will acknowledge your complaint within 2 business days and resolve it within 15 business days. If unresolved, you may escalate to Salora Capital Limited or the RBI Ombudsman.

9. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India, including but not limited to the Indian Contract Act, 1872, Information Technology Act, 2000, and RBI guidelines for LSPs and NBFCs.

Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Navi Mumbai, Maharashtra, India. We encourage amicable resolution of disputes before initiating legal proceedings.

10. Updates to These Terms

Advisconsul E-Services Private Limited reserves the right to update, modify, or replace these Terms at any time without prior notice. The date of last update is indicated at the top of this page. It is your responsibility to review these Terms periodically.

Continued use of our services after any modification constitutes your acceptance of the revised Terms. If you disagree with any changes, you must immediately discontinue use of our services and repay any outstanding loan amounts as per your existing loan agreement.